| Transfer tax | Real estate transfer tax $15.00 per $1,000, split $7.50 buyer and $7.50 seller by statute. |
|---|---|
| Usually paid by | Split 50/50 by statute |
| Attorney at closing | Not required |
| Recording | Recording fees are set by the county registry of deeds, typically a flat fee per document. |
What drives your total
Lender fees, title insurance, prepaid taxes and insurance, and any points you buy move the number most. On a $400,000 purchase, 2–5% means roughly $8,000–$20,000 at the table, your Loan Estimate itemizes every dollar three business days before closing.
Ways to reduce cash to close
- Seller credits (negotiated in the contract, program limits apply)
- Lender credits in exchange for a slightly higher rate
- Down payment assistance programs where available
- Closing on time, per-diem interest accrues daily
Sources: Tax Foundation 2026 (2024 ACS); NH Dept. of Revenue Administration. Figures are typical ranges, not quotes.
FAQ
How much are closing costs in New Hampshire?
Buyer closing costs in New Hampshire typically run 2–5% of the purchase price. State-specific items include: Real estate transfer tax $15.00 per $1,000, split $7.50 buyer and $7.50 seller by statute.
Who pays transfer tax in New Hampshire?
Customarily the split 50/50 by statute pays the transfer tax in New Hampshire, though it is negotiable in the contract.
Does New Hampshire require an attorney at closing?
No, New Hampshire does not require an attorney at closing, though title insurance is still standard.